Four plans, one network, zero guesswork. All plans include Part D prescription drug coverage, dental, vision, hearing, and 24/7 virtual care.
Best for members who want the lowest premium and use in-network care.
Richer extras and a lower out-of-pocket cap for members managing conditions.
See any Medicare provider, in or out of network, with no referrals.
For members with both Medicare and Medicaid. Extra support, extra benefits.
Premiums, copays, and allowances shown are fictional examples for demonstration only. You must continue to pay your Medicare Part B premium.
The numbers that actually change your bill.
| Benefit | Trailhead HMO | Mesa Plus HMO | Open Range PPO | Homestead D-SNP |
|---|---|---|---|---|
| Monthly premium | $0 | $29 | $62 | $0 |
| Medical deductible | $0 | $0 | $250 (out-of-network) | $0 |
| Primary care visit | $0 | $0 | $0 in-network | $0 |
| Specialist visit | $35 | $20 | $40 in-network | $0 |
| Inpatient hospital (days 1–5) | $350/day | $250/day | $325/day | $0 |
| Emergency room | $110 | $110 | $120 | $0 |
| Max out-of-pocket | $4,900 | $3,400 | $5,900 in-network | $3,000 |
| Part D deductible | $220 | $0 | $150 | $0 |
| Dental allowance | $500 | $1,500 | $1,000 | $2,500 |
| OTC card | — | $125/quarter | $75/quarter | $200/month |
| Transportation | — | 48 one-way trips | 24 one-way trips | Unlimited |
| Referrals required | Yes | Yes | No | Yes |
Talk to a board-certified doctor by video or phone at any hour, from anywhere in the country.
A registered nurse on the line in under two minutes to help you decide what care you need.
A named coordinator for members with chronic conditions or a recent hospital stay.
Emergency and urgently needed care covered while you travel outside the U.S.
Your claims and clinical data, available to the apps you trust. See how →
Earn up to $180 a year for completing your annual wellness visit and preventive screenings.
Most people enroll during the Annual Enrollment Period, October 15 through December 7, with coverage starting January 1. You can also enroll during your Initial Enrollment Period around your 65th birthday, or during a Special Enrollment Period if you move, lose other coverage, or qualify for Medicaid.
Search our network first. On HMO plans you generally need to use in-network providers except for emergencies. The Open Range PPO covers out-of-network care at a higher cost share.
Every plan includes Part D. Check the formulary for your specific drugs and tier before enrolling — tiers and copays differ by plan.
It is the most you would pay for covered medical services in a calendar year. Once you hit it, the plan pays 100% of covered in-network services for the rest of the year. It does not include your Part D drug costs or your Part B premium.
Through the member portal, or by connecting a third-party app of your choice to our Patient Access API. Learn more about interoperability.
A licensed advisor can walk through your doctors, drugs, and budget in about 15 minutes.